If you are asking yourself the question “Does Oscar cover rehab?”, you have already started on your road to recovery! The first step is always to admit that you have a problem, after all. However, rehab itself can be very expensive. That is why Bright Futures Treatment Center tries to provide our patients with some of the most affordable addiction solutions Florida has to offer, as well as several ways to cover your treatment costs. Using your Oscar insurance plan has the potential to cover up to 90% of your treatment costs, and is an option that you may want to explore. However, understanding your health insurance plan might not be the easiest thing in the world. Don’t worry, though, as we are going to explain everything that you need to know!
Oscar – Health Insurance that actually works for you!
Oscar Health Insurance is a somewhat “new” entrant to the health insurance market. The company was founded in 2021, with the goal of providing a simpler and more transparent healthcare experience. Oscar does this by incorporating data analytics and cutting-edge technology in all of its business processes. This insurance provider offers both individual and family health insurance plans, as well as a number of health insurance plans that are geared toward small businesses. Oscar does not operate within all states in the country, however, but they do operate in Florida! The company’s health insurance plans offer coverage for a multitude of situations, including inpatient rehab Florida programs, intensive outpatient programs, medical detox, and many others! Even though Oscar might be a “newer” name in the health insurance industry, their business practices already have them competing for the top spot!
How is Oscar different?
Oscar differentiates itself from other health insurance providers through the following differences:
- Greater focus on telemedicine – Due to how heavily the company relies on modern technology, it is no wonder that Oscar offers free virtual visits with doctors through its app. People with Oscar health insurance plans have many more options when it comes to receiving treatment and medical advice without ever leaving the comfort of their own homes.
- Benefits that are easy to understand – Unlike some of the other health insurance companies, Oscar prides itself on how clearly they communicate costs and benefits to its clients. You will seldom have to try and figure out whether your insurance plan covers an intensive outpatient program Florida, for example. Most of the time, the answer will be clearly written and easy to spot!
- Dedicated member services team – Even though Oscar’s plans are easy to understand, the company also maintains a dedicated team that is available to answer any questions that clients may have. Furthermore, this team also provides the clients with assistance when it comes to billing and claims.
- Wellness programs – Oscar offers numerous wellness programs to their clients, programs that are specifically designed to improve the health of their members, prevent chronic conditions and achieve a higher quality of life.
- Health tracking – Oscar’s unique mobile app allows for easy tracking of health goals and provides a simple way to view one’s medical history. Furthermore, the app will provide personalized health recommendations to its clients and has many other useful options such as step tracking. You can also use the app to talk to a doctor or their care team.
Oscar Health insurance plans
There are four tiers of insurance plans that Oscar offers to their clients. Commonly referred to as “metal tiers”, you can purchase either a bronze, silver, gold, or platinum plan. The primary difference between the tiers is quite simple. Here’s a quick overview:
- Bronze plans will pay for 60% of your care
- Silver plans will pay for 70% of your care
- Gold plans will pay for 80% of your care
- Platinum plans will pay for 90% of your care
Normally, the higher the plan’s tier, the more you will need to pay on a monthly basis. There is a single exception to this rule, however. Silver plans are special in this regard, as they have the possibility of benefiting from CSR (Cost-Sharing Reduction) if your income level qualifies for it. Not only will you get a reduced deductible in this way, but the plan’s premium will also be lower.
Aside from these plans, there is also an option of acquiring a catastrophic plan. These plans usually have extremely high deductibles but very low monthly premiums. Catastrophic plans are designed to provide coverage for emergencies and will usually not cover any alcohol rehab Florida programs. However, if you do have a catastrophic health insurance plan, you might want to check whether it covers rehab or not.
How to check whether Oscar covers rehab?
You can check the answer to the question “Does Oscar cover rehab?” in four ways. To start with, you will want to review your health insurance policy by tracking down a copy of the plan summary and reviewing any appropriate sections. The sections you are looking for will usually be those that deal with substance abuse coverage and mental health. This step will provide you with a good outline of whether your plan will be able to cover drug rehab Florida costs, for example. While Oscar’s plans are famous for being easy to understand, there is always a chance that something is unclear to you. In that case, you may want to choose another way to check whether Oscar covers rehab.
The second way to check if Oscar covers rehab is by checking the Oscar website. The website contains a wealth of information on all Oscar health insurance plans, as well as an extensive FAQ section. Again, you should be looking at sections that specifically deal with substance abuse treatment (including addiction rehab) and mental health.
If you can’t find a copy of your health insurance policy and are not comfortable scouring Oscar’s website for information, you can always get in touch with Oscar’s customer service department. A quick Google search will provide you with a phone number you can call or an email address to which you can send your correspondence. Currently, the number that you may want to call to contact Oscar insurance Florida is: (855) 672-2755.
Get in touch with Bright Futures Treatment Center
The last way, and usually the easiest one, is to get in touch with your treatment provider. If you, for example, decide to enroll in a heroin rehab Florida program at Bright Futures Treatment Center, you can get all the insurance-related information through our admissions process. Our team of experts will go over all the insurance details with you and ensure that you get maximum coverage from your Oscar health insurance plan! They will also answer any specific questions you might have and help you decide on the best course of treatment.
Does Oscar cover drug rehab?
At Bright Futures, we have experience in treating patients that are suffering from substance use disorder, including legal and illegal drugs. Drug rehab can be extremely complicated and complex, and our patients usually require a personalized treatment program. Needless to say, personalized drug rehab programs can be quite expensive, depending on the circumstances. For example, treatment in one of the crack cocaine rehab centers can easily reach thousands of dollars. It is only natural that many people ask the question “Does Oscar cover drug rehab?” when faced with the cost of their treatment.
You will be happy to know that Bright Futures accepts Oscar health insurance plans as a way to pay for your treatment costs. Depending on the plan that you have, you can expect up to 90% (even 100% in some cases) of your treatment costs to be covered by your plan. Our team will help you determine the exact coverage level, as well as any services that your plan might or might not cover. To us, the most important thing is that you can fully relax and attend the treatment without any financial concerns.
Does Oscar cover alcohol rehab?
Alcohol rehab has long been stigmatized by our society. In fact, addiction to alcohol was considered to be a failing on the individual’s part and not a medical condition. Therefore, it is no wonder that many people ask the question “Does Oscar cover alcohol rehab?”. Luckily, alcohol addiction is considered to be a valid medical condition these days, and there are numerous treatment options available to cure it. In fact, going to alcohol rehab is considered to be no fundamentally different than attending any meth rehab Florida program. Most of the time, you will require to go through medical detox before other treatments can be applied, however. This inevitably raises the cost of the entire treatment, which is why it is so important that you get coverage from your insurance provider.
Oscar’s health insurance plans have the potential to cover the entire alcohol rehab process. This includes both medical detox and further treatment. This means that your insurance plan can help pay for our Residential Level 5 (Day/Night) treatment plan, providing you with the best chance at recovery.
Don’t have enough information? – Here’s what you can do!
Even though Oscar does its best to streamline their health insurance plans and make them easier to understand, the insurance industry is full of confusing terms, phrases, and terms. For example, if you don’t know what a deductible is, you may not understand much of what your insurance plan offers. The answer to the question “Does Oscar cover rehab?” is usually not as simple as “Yes” or “No”. Technically, Oscar does cover rehab, yes, but your specific plan might not cover rehab. For example, your health insurance plan might cover Florida prescription drugs addiction treatment but it might not cover treatment for illicit drugs. Therefore, it is always best to fully understand the limitations of your health insurance plan before you commit to rehab.
Get in touch with your treatment provider
If you have any uncertainties when it comes to your insurance coverage, the best thing to do is to get in touch with your treatment provider. For example, if you want to know whether your insurance provider is accepted at Bright Futures, all you need to do is visit our FAQ section or get in touch with us directly. As for Oscar, we already mentioned that Oscar’s health insurance plans are accepted by us. If you need any additional information, such as whether your insurance plan covers oxycodone rehab, for example, all you need to do is contact us. Our helpful admissions staff will help you figure out the exact coverage you can get through your Oscar health insurance plan.
Contact your insurance provider
Aside from having your treatment center help you figure out your coverage, the best way you can find more information about your health insurance plan is to contact Oscar Health directly. However, chances are that you will be referred to your treatment center unless you have already talked with them. The reason why this is so complicated is due to how insurance works in the first place. Your health insurance plan and your treatment plan need to have matching services in order for you to get coverage. The only way for the services to match is for your insurance provider and your treatment center to come to an agreement. In other words, neither party has the information required on its own.
Our recommendation is that your first contact should be with our admissions staff. They will be able to answer any questions you might have and verify whether Oscar covers rehab as well as the extent of the coverage. Furthermore, if you were wondering whether rehab is covered under FMLA in your specific situation, they will be able to assist with that as well. Our admissions team is highly knowledgeable in all legal matters that may concern your treatment and they are there to help you make the most out of your Oscar health insurance plan.
Common therapies that are covered by health insurance
When people ask the question “Does Oscar cover rehab?”, they are actually asking “Does Oscar cover my treatment”. The reason why the answer to this question is not as simple as yes or no is the fact that there are many available treatments. Here are some of the most popular treatments that you can find in almost every treatment center:
- 12-Step facilitation therapy
- CBT (Cognitive Behavioral Therapy)
- DBT (Dialectical Behavior Therapy)
- EMDR (Eye Movement Desensitization and Reprocessing) therapy
- Motivational interviewing
- Family therapy
As rehab is something that is extremely individual, there is a distinct possibility that you may require a combination of these treatments, as well as some treatments outside of this list. This has the potential to complicate things where insurance is concerned. Furthermore, if you are planning on enrolling in couples rehab in Florida, things get even more complicated. What you may want to do is make sure that you are comfortable with the treatment options that your insurance plan covers. To help you with that, here’s a brief explanation of common therapy types.
12-Step facilitation therapy
For many people, the question “Does Oscar cover alcohol rehab?” is synonymous with “Does Oscar cover 12-step programs?”. 12-Step facilitation therapy is so common that many people believe it is the only way to cure addiction.
The 12-step therapy programs are extremely structured and follow the core principles of acceptance, surrender, active participation, and continued sobriety. Group involvement is a huge part of this therapy type, as people are more likely to stay sober when they interact with others in a meaningful way. Furthermore, 12-step facilitation therapy allows the patient to form healthy and meaningful relationships with their sponsors, further enhancing the recovery process.
CBT (Cognitive Behavioral Therapy)
Cognitive behavioral therapy is, perhaps, the most famous therapy type. It is so famous that many people ask does Oscar cover rehab and mean does Oscar cover CBT. This is a form of talk therapy, with the basic premise to change the way that we think. By changing our harmful thinking patterns, CBT allows us to restructure the way we form our thoughts. This is done through numerous techniques. Some of the CBT goals include developing self-confidence and self-efficacy.
Most of the time, CBT is individual therapy. However, it can be adapted to a group setting, with great effect. Due to how effective this therapy is, most health insurance plans will provide coverage for CBT costs.
DBT (Dialectical Behavior Therapy)
Similar to how addiction has many forms, CBT has numerous variations. DBT is one of these variations. DBT focuses on addressing harmful behaviors that create barriers to recovery. Originally developed for people with severe suicidal thoughts, DBT is a mainstay of many of today’s treatment programs. The benefits of this treatment type are numerous. For people that ask if Oscar covers drug rehab, the most important benefit of DBT is that it can reduce inpatient treatment days. The fewer days you are in treatment, the lower the cost, after all.
EMDR (Eye Movement Desensitization and Reprocessing) therapy
If your addiction is rooted in trauma, EMDR might be the best therapy type for you. Originally designed to help people with PTSD, EMDR is extremely powerful in what it does. For example, this therapy type will decrease distress from traumatic memories. It will also reduce physical and emotional symptoms of trauma. While not many people consider EMDR when they ask does Oscar cover drug rehab, most health insurance plans will cover this type of treatment. Especially veteran health insurance plans, due to how efficient EMDR is for PTSD.
The fact of the matter is that motivation is a problem for many people. If you are not motivated to achieve recovery, your treatment will be much less effective. For people who lack the motivation to commit to recovery, motivational interviewing may be the best therapy type. MI focuses on identifying the patients’ motivations and intrinsic values. It then focuses on those values and slowly motivates the patient in a unique way. The goal of MI is for the patient to experience a desire to become sober for the right reasons.
MI is extremely effective at what it does. People that undergo MI treatment experience improved retention rates, for example. Furthermore, the likelihood of relapse gets lowered as well. Not many people connect MI with the question “Does Oscar cover rehab?” but this therapy type might be exactly what they need!
For some people, family is everything. Therefore, it is very important that you have access to specialized family therapy options. Not only that but a person’s behavior and actions can be heavily influenced by familial matters. Therefore, it is very important to ask the question does Oscar cover alcohol rehab when it comes to family therapy? Luckily, the answer is that family therapy is well-recognized by most insurance providers, Oscar included.
Why choose Bright Futures Treatment Center?
Your treatment center is going to be a large part of your recovery. Therefore, you need to make sure that you are making the best choice. At Bright Futures Treatment Center, we understand that every single person is fully unique. That is why we take extreme care with how we create our treatment plans. Each individual will receive a fully-personalized treatment plan, one that will provide them with the most comfortable and most effective treatment experience. Furthermore, you might love our luxurious residential housing, our positive living environment, and our caring, sympathetic staff.
At Bright Futures, our mission is to provide exemplary help to those that are struggling with addiction. We believe that everyone, regardless of their circumstances, can recover from addiction and lead a happy, fulfilling, sober life!